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Securities-Based Lending Platform

A Simplified Way to Offer Securities-Based Lending at Scale

Total Bank Solutions has developed the industry’s first complete end-to-end securities-based lending system. The Loan Management System (LMS) enables banks and wealth managers of all sizes the opportunity to offer securities-based lines of credit (SBLOC) profitably.

How it Works

The TBS Loan Management System is a simple-to-use, turnkey lending system. It is modular by design, providing unparalleled flexibility to operate as a complete stand-alone system or integrate with external providers.

With a configurable and branded interface, fiduciary professionals can quickly identify accounts, evaluate portfolio collateral, price loans and generate pre-populated loan applications for their clients within minutes. Once the application is complete, LMS then streamlines the underwriting process, credit scoring, collateral review, e-signature and exception processing.

Why Securities-Based Lending

The popularity of securities-based lending continues to grow, particularly with high net worth and ultra-high net worth clientele.

  • Faster approvals and access: About 24-48 hours of turnaround time from application to access to funds
  • More borrowing power: Borrow more with a potentially higher loan-to-value compared to margin
  • Cost-effective: Better rates and tax incentives compared to home equity loans, with no prepayment penalties

Product Features

Loan Origination
  • Connectivity to multiple custodians for positions and balances via API’s
  • Advisor friendly dashboard, review page and messaging capability
  • Integrated collateral evaluation and electronic signature functionality
Document Management
  • Built-in document management logic that automatically selects the correct application and supporting documents
  • Configurable document package generation and delivery
  • Application “tagging” feature
  • Document storage
Underwriting APIs & Workflow Management
  • Lender dashboard
  • Streamlined status-driven underwriting queues
  • Configurable auto-decision workflow
  • Multi-level approval hierarchy
  • Reg. B notifications and alerts
  • Integrated document and collateral review
Collateral Evaluation & Monitoring
  • Configurable credit policy administration
  • Exception tracking
  • Integrated securities pricing
  • Loan maintenance
  • Call initiation and processing
  • Risk management dashboard
Loan Accounting Integration
  • Loan and collateral message queue
  • Integration with loan accounting system
  • Reporting package
  • Instantaneous loan boarding

Benefits

Benefits for Banks
  • Automation

    Our Loan Management System (LMS) provides an automated end-to-end solution that enables banks the opportunity to originate, underwrite and monitor SBLOCs at scale.

  • Diversification

    Underwriting SBLOCs through LMS can help banks to diversify their loan portfolios by asset class, geography and business line without requiring any additional lending infrastructure.

  • Flexibility

    SBLOCs can be fixed or floating rate and categorized as either commercial or consumer depending on the borrower type. Credit policies can be tailored to match the bank's risk profile.

  • Local Impact

    Certain business loans may qualify for Small Business Administration (SBA) treatment and/or Community Reinvestment Act (CRA) credit.

  • Security

    TBS maintains policies and procedures that meet or exceed the latest data privacy standards and provides secure access to historical credit file information to demonstrate compliance with all consumer lending laws.

  • Support

    TBS has the industry experience, financial intermediary relationships, wholesale product training and in-field sales to support your business.

See Solutions for Depository Institutions
Benefits for Source Institutions
  • Automation

    Our Loan Management System (LMS) is an end-to-end solution that automates the entire origination, underwriting and collateral monitoring process.

  • A Competitive Edge

    Providing advisors with a comprehensive “wealth management” offering, including best-of-breed securities-based lending capabilities, can help attract and retain experienced financial advisors.

  • Flexibility

    Our modular design can be configured to support your unique business needs and integrate with both internal and external systems seamlessly.

  • Scalable Recruiting

    LMS automates the transition of existing pledged accounts. Broker Dealers can now simplify the recruiting process, seamlessly on-boarding advisors and their clients.

  • Security

    TBS maintains policies and procedures that meet or exceed the latest data privacy standards and provides secure access to historical credit file information to demonstrate compliance with all consumer lending laws.

  • Support

    TBS has the industry experience, network of lenders, wholesale product training and experienced in-field sales professionals to grow and support your business.

See Solutions for Wealth Managers

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